Consolidated Credit

Avg. Rating: 5.0 (1 review)

We’ve helped over half a million people and counting. We’re here to help you too.

At Consolidated Credit, we know how overwhelming and stressful debt can be. That’s why we are here; to help you get out of debt and get your life back.

Since 2005, we have helped over 500 000 Canadians. Our trained credit counsellors work with you to develop a personalized plan for overcoming your debt problem for good.

Could you really be free of debt in just 60 payments or less?

  • Talk to a trained credit counsellor to evaluate your current situation.
  • Identify the right debt solution for your needs.
  • Develop a payment plan that fits your budget, so you can stop struggling to keep up with your bills.
  • When necessary, we’ll negotiate with creditors to reduce or eliminate interest charges so you can get out of debt faster.
  • TIME IN BUSINESS: Since 2005
  • # OF CUSTOMERS: Over 500,000
Visit Consolidated Credit Website


505 Consumers Road, Suite 400 Toronto, Ontario M2J4V8
Call Center: Monday-Thursday: 8:30am-8:00pm EST
Friday: 8:30am-6:00pm EST
Saturday: 9:00am-2:00pm EST
Support Offered:
  • Call Centre
  • Help Centre/Blog
  • Web Chat
  • Email
Availability: All of Canada

Products Offered

Below are all the products offered by this company.

Debt Management Program

A debt management plan or program – DMP for short – consolidates credit cards and other unsecured debts into one monthly payment. It’s not a loan and unlike other forms of debt consolidation, you still owe your original creditors. It’s basically a professionally-assisted debt repayment plan that you set up through a credit counselling agency.

Setup Fee:


Monthly Fee:

10% of monthly DMP payment, capped at $59/month

Credit Counselling

Consumer credit counselling services are designed to help consumers develop effective strategies for paying off credit card debt. Non-profit credit counselling is not a debt solution in and of itself. Instead, it’s a service that helps you identify the best solution to use based on your debts, credit, and budget.

Budgeting and Resources

At Consolidated Credit, we believe that education is the key to helping people achieve financial stability. So, we’ve created a library of resources to help consumers build financial literacy. You can browse by type of resource or you can find complete financial literacy courses that cover specific topics, such as budgeting, saving, debt management and building credit.

Articles About Consolidated Credit

By Jeffrey Schwartz

Jeffrey Schwartz is the Executive Director at Consolidated Credit Counseling Services of Canada. A community and business leader with over 29 years of experience, Mr. Schwartz is focused on assisting individuals and families in need through Consolidated Credit and many other business endeavours, foundations, fundraising projects and not-for-profit work in Canada and the US.

Articles by Consolidated Credit

By Jeffrey Schwartz

But if you’ve tried a DIY approach to getting rid of debt that doesn’t seem to be working, it might be time to get some outside help. There are services available for consumers struggling with their debt. One such service is debt management.

Frequently Asked Questions About Consolidated Credit

What is Consolidated Credit?

Consolidated Credit is a non-profit organization that helps Canadians find relief from credit card debt and achieve long-term stability through financial education and professional counselling.

Is Consolidated Credit legit?

Consolidated Credit has been helping Canadians with debt relief since 2007 and is a well known and respected Canadian company. In addition, Consolidated Credit has numerous accreditations, including the Ontario Association of Credit Counselling Services, Canadian Association of Credit Counselling Services, Better Business Bureau with A+ rating and Credit Association of Greater Toronto (CAGT).

What types of services does Consolidated Credit offer?

Consolidated Credit offers debt relief through education and professional counselling. This includes debt consolidation, budget reviews, counselling sessions, debt management program and other solutions that are specially tailored to different situations.

Who should use a Debt Management Program?

Debt management can help you become debt free faster when traditional monthly payments don’t work. When you’re juggling multiple credit card balances, it can feel like you’re trapped in a cycle of debt. If minimum payments aren’t working to make a dent in your balances, then you need to find a solution that will make it easier to become debt-free. A debt management program is one of several solutions that can provide relief from high interest rate credit card debt.

What is the easiest way to reach Consolidated Credit to learn more?

Consolidated Credit can be reached by phone, email, or through a contact form on their website. You can call Consolidated Credit at 1-844-515-2520.

How much does a Debt Management Program cost?

Consolidated Credit charges a setup fee of $49. After that, the monthly payment is 10% of your total monthly DMP payment amount, capped at a maximum of $59 per month.

Consolidated Credit Reviews

Avg. Rating: 5.0 (1 review)
Thank you!

This has been the best decision of my life! The credit counsellors are quick with responses, they know their stuff and they have helped me with a kindness and consideration that I will never forget. Thanks Consolidated Credit!


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